Espeeco

2801 H St, Bakersfield, CA 93301

NCUA Insured4.4 (5 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Membership is typically limited to employees of specific companies or industries. Contact the credit union directly to confirm whether you qualify.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1954

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

2801 H St

Bakersfield, CA 93301

Google Maps 🗺Waze

(661) 327-5548

Service Area

This credit union is located in Bakersfield and serves members in the CA area. Currently serving 1,076 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.44%

Used Auto Loan

7.20%

Personal Loan

11.67%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Sag-Aftra— New Auto Loan

Burbank, CA

1.99%

Sunkist Employees— Used Auto Loan

Valencia, CA

2.40%

North Bay— Personal Loan

Santa Rosa, CA

2.33%

Glendale Area Schools— Credit Card APR

Glendale, CA

6.46%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

4.4

5 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Nikki Black

2 years ago

I have been trying to get on this site to review my account balance as well as my bills. Have not been able to. I feel this is very important to me. Can you please help me, Thank you Nikki Black

Martha Dalrymple

5 years ago

Always Kind And Courteous, Always With A Smile On All The Girls Faces, Willing To Assist In Anyway They Can, Very Comfortable Atmosphere, Very Helpful, With How They Can Help Resolve Issues, My Husband Has Been A Member For 56 Years , And I Have Been A Member For 16 Years, Very Happy And Very Satisfied To Be Involved And A Part Of The Railroads Espeeco Credit Union, We Are Blessed👏🙏❤️